topic Re: Advice for next card. Thin file. 3/24 in Credit Cardshttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887202#M1694290
<P>The x3 for 20,000 spend/12 months on Chase Freedom Unlimited is nice.....I'm still under my bonus albeit by 1,000 dollars and I was approved for the card on 6/7/19.&nbsp;</P><P>&nbsp;</P><P>Since its been a full 12 months you could also upgrade that Capital One Platinum Reserve to a Quicksilver 1.5% cash back or maybe a Savor if you go in branch. The AF version of the Savor is 4% dine and the non-AF is 3% dine.</P>Wed, 22 Jan 2020 09:23:02 GMTCitylights182020-01-22T09:23:02ZAdvice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5886965#M1694268
<P>Hi Everyone,</P><P>I have been working on building my credit from scratch over the past year. With the help of studying these boards, (Thank you myFICO community!) my scores are in good shape, but I have a thin file. I am currently at 3/24. (Disc; Cap1 Plat Sec; Amex Gold)</P><P>If possible, I could use some advice for what my next moves should be.&nbsp;</P><P>My Initial plan ...</P><P>Option 1: Apply for Chase Freedom (or)CFU as my 4th card this coming month&nbsp; to get in the door. (Check in branch if I pre-aprov.) ...after 4-5 mo's apply for Chase Ink P; and round out with the CSP after 6 mo's.&nbsp;&nbsp;</P><P>Would I have any chance with going directly to CIP next? and CFU later? or just skip the Freedom for now and concentrate on CIP and CSP next two cards?&nbsp;</P><P>Option 2: Would it help my file to get a NFCU Card in the 4 spot and let the CL grow a bit to help raise my SL with Chase?&nbsp; <STRONG>Does Chase take Credit Union Card Limits into account when they decide SL's?&nbsp;</STRONG></P><P>Option 3: Would putting an Amex revolver in the 4 spot and 3x CLI to help my Chase SL's be a better option? (Although, I would much rather just have a 2% BBP&nbsp; card instead of a personal.)</P><P>Edited - Additional Info:</P><P>I have had my business checking account with Chase for the past 8 years.&nbsp; Being a freelancer, this account has seen it's ups and downs throughout the years. In 2/19 I unfortunately was overdrawn for 30days. ...Other than that, I mantain 15 - 35k in this account.&nbsp;</P><P><STRONG>Would having a Chase Business account relationship help with getting a personal card?</STRONG> I do not have any pre qual offers online.&nbsp;</P><P>&nbsp;</P><P>Any thoughts on any of this is really greatly appreciated.&nbsp;&nbsp;</P><P>Thanks so much in advance!</P><P>&nbsp;</P><P><SPAN>*Side note, 2 of any 5/24slots will open up 11/20.&nbsp;</SPAN></P><P>Cards interested in:</P><P>Chase: CFU (for the 3% first year upgrade) (or)CF;&nbsp;CSP (or CSR)&nbsp;&nbsp;</P><P>Chase Biz: CIP (<SPAN>No foreign transaction fee)&nbsp; </SPAN><SPAN>(Currently have NO pre qualify offers with Chase or Chase Biz)</SPAN></P><P><SPAN>Amex Biz: BBP&nbsp; (for the 2%) ; Amazon Prime (5%)</SPAN></P><P>&nbsp;</P><P>My info below:&nbsp;</P><P>46yrs old; Income: $60,000. Self employed, freelance.</P><P>Fico8 scores (as of 1/7/20): Experian - 769; Equifax - 790; TransUnion - 775</P><P>Age of oldest account:&nbsp; 1 yr 2 mo.&nbsp;</P><P>AAOA: 11 mo&nbsp;</P><P>Utiliz: 2%</P><P>Discover it: $3100. (Opened 11/18, secured - graduated 7/19)</P><P>Capital One Plat Secured: $1300. (Opened 11/18)</P><P>NFCU SSL: Paid down to 8%&nbsp; (Opened 3/19)(Joined NFCU 1/19)</P><P>Amex Gold: (Opened 6/19; average spend $7-9,000 per mo.)</P><P>Business Checking: Chase (8yrs - Average 25k&nbsp; in '19) (30 day Overdrawn 2/19)</P><P>Personal Ch/Sav: NFCU (1/19, 7k+)</P><P>No Bads; No lates; PIF ea. mo.; HP's only for above accounts; No other debt.</P><P>&nbsp;</P>Wed, 22 Jan 2020 07:52:26 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5886965#M1694268LateStarter2020-01-22T07:52:26ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887138#M1694273
Option two or option three. Chase doesn’t want to see a file as young as yours, normally. Now, if you had an established banking relationship, maybe.<BR /><BR />Wait until your oldest account is definitely over two years before you try Chase.Wed, 22 Jan 2020 06:56:46 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887138#M1694273Birdman72020-01-22T06:56:46ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887141#M1694275
As a matter of fact you could probably swipe the NFCU and the AmEx.Wed, 22 Jan 2020 06:57:59 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887141#M1694275Birdman72020-01-22T06:57:59ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887177#M1694280
<P>Just in case if this is helpful, I was approved for CFU as my second card with scores around 720 at the time and 8 month history. Check my signature for more details.</P>Wed, 22 Jan 2020 08:14:02 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887177#M1694280MrPepperoni2020-01-22T08:14:02ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887185#M1694285
<BLOCKQUOTE><HR /><LI-USER login="Birdman7" uid="1047067"></LI-USER>&nbsp;wrote:<BR />Option two or option three. Chase doesn’t want to see a file as young as yours, normally. Now, if you had an established banking relationship, maybe.<BR /><BR />Wait until your oldest account is definitely over two years before you try Chase.<HR /></BLOCKQUOTE><P><BR />Hi Birdman,</P><P>Thanks for the response and advice. I actually just edited my post to include my (8yr) Chase Biz Checking account stats.&nbsp; Though, I have never recieved any offers through my account.&nbsp; (I just got my first fico score last Feb.)&nbsp;</P><P>Do you think this would help getting me aproved for the Freedom since that is considered thier starter card? I have heard of some CF sucess stories with similar files. But, idk.&nbsp;</P><P>&nbsp;</P>Wed, 22 Jan 2020 08:57:38 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887185#M1694285LateStarter2020-01-22T08:57:38ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887188#M1694286
<BLOCKQUOTE><HR /><LI-USER login="Birdman7" uid="1047067"></LI-USER>&nbsp;wrote:<BR />As a matter of fact you could probably swipe the NFCU and the AmEx.<HR /></BLOCKQUOTE><P><BR />I see where you are going with this, If I wait until the end of the year, I will still have two 5/24 slots open anyway. So if I really wanted I could add 2 non chase cards and use the time working on raising my overall CL. Interesting thought.</P>Wed, 22 Jan 2020 08:56:50 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887188#M1694286LateStarter2020-01-22T08:56:50ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887190#M1694287
<BLOCKQUOTE><HR /><LI-USER login="MrPepperoni" uid="1079235"></LI-USER>&nbsp;wrote:<BR /><P>Just in case if this is helpful, I was approved for CFU as my second card with scores around 720 at the time and 8 month history. Check my signature for more details.</P><HR /></BLOCKQUOTE><P>Hi Mr,</P><P>Ok... This gives me a glimmer of hope actually. I have heard many stories similiar to your aproval &amp; stats. Thanks for this! It is helpful.</P>Wed, 22 Jan 2020 08:55:46 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887190#M1694287LateStarter2020-01-22T08:55:46ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887191#M1694288
<P>I would go for Option 1. Your file should be prime for a Chase Freedom or CFU card while you are under 5/24. And then the CIP or CSP. After that, you can always go for NFCU and Amex, since they don't care about 5/24.</P>Wed, 22 Jan 2020 09:01:08 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887191#M1694288Steve8912020-01-22T09:01:08ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887202#M1694290
<P>The x3 for 20,000 spend/12 months on Chase Freedom Unlimited is nice.....I'm still under my bonus albeit by 1,000 dollars and I was approved for the card on 6/7/19.&nbsp;</P><P>&nbsp;</P><P>Since its been a full 12 months you could also upgrade that Capital One Platinum Reserve to a Quicksilver 1.5% cash back or maybe a Savor if you go in branch. The AF version of the Savor is 4% dine and the non-AF is 3% dine.</P>Wed, 22 Jan 2020 09:23:02 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887202#M1694290Citylights182020-01-22T09:23:02ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887205#M1694291
<P>Chase SL is mostly tied to income. Then certain cards have more SL like the CSP with a minimum of 5,000.</P><P>&nbsp;</P><P>Then once you have the card and PIF for 120 days they should grant you an auto CLI so don't worry about the starting limit. Unless you don't think you can make the SUB with those limits. They could start you tiny with a Freedom so it might be better just pulling the trigger for the CSP.</P><P>&nbsp;</P><P>CSR is a waste of time at a AF of $550 unless you plan to gorge yourself on the airport lounge benefit. CSP has the bigger SUB bonus as well with most of the same insurance protections.</P>Wed, 22 Jan 2020 09:31:38 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887205#M1694291Citylights182020-01-22T09:31:38ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887344#M1694318
<BLOCKQUOTE><HR /><LI-USER login="Citylights18" uid="1030755"></LI-USER>&nbsp;wrote:<BR /><P>Chase SL is mostly tied to income. Then certain cards have more SL like the CSP with a minimum of 5,000.</P><P>&nbsp;</P><P>Then once you have the card and PIF for 120 days they should grant you an auto CLI so don't worry about the starting limit. Unless you don't think you can make the SUB with those limits. They could start you tiny with a Freedom so it might be better just pulling the trigger for the CSP.</P><P>&nbsp;</P><P>CSR is a waste of time at a AF of $550 unless you plan to gorge yourself on the airport lounge benefit. CSP has the bigger SUB bonus as well with most of the same insurance protections.</P><HR /></BLOCKQUOTE><P>I've never thought about taking that strategy before. Since CSP starts at 5k is opening that first a better way to guarantee that CF/CFU open at higher limits later?</P>Wed, 22 Jan 2020 14:45:43 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887344#M1694318Nomad32020-01-22T14:45:43ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887349#M1694320
There are definitely exceptions and it’s possible but I’ve seen many denials with Young Files with Chase. Whatever you do I wish you the best and hope it turns out well.Wed, 22 Jan 2020 14:47:05 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887349#M1694320Birdman72020-01-22T14:47:05ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887351#M1694321
No it’s not a guarantee. I got my CSP first. When I got my freedom it was slightly lower.Wed, 22 Jan 2020 14:49:07 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887351#M1694321Birdman72020-01-22T14:49:07ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887353#M1694322
I’ve had them since 2018. I’ve never gotten an auto CLI and I always PIF.Wed, 22 Jan 2020 14:50:35 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887353#M1694322Birdman72020-01-22T14:50:35ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887377#M1694324
And yes your eight year checking relationship will definitely help. You could probably get it in branch approval.<BR /><BR />You might even get online approval with that history. If that’s what you want, go for it since you have that history, but if you didn’t have that history, I wouldn’t recommend it at all until you had two years under your belt. But like I said there are exceptions they obviously like MrPepperonis file.<BR /><BR />Chase also likes to give you a decent SL that they’re comfortable with to begin with. Their auto CLIs are very rare. High limits beget high limits. That’s why I would grab the NFCU and the AmEX and then sit on it a 6 months to a year with SP CLIs and grab my Chase.<BR /><BR />Remember it’s not a sprint it’s a marathon.Wed, 22 Jan 2020 14:56:46 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887377#M1694324Birdman72020-01-22T14:56:46ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887700#M1694393
<P>Hi Steven, Thanks for your feeedback.</P><BLOCKQUOTE><HR /><LI-USER login="Steve891" uid="1031112"></LI-USER>&nbsp;wrote:<BR /><P>I would go for Option 1. Your file should be prime for a Chase Freedom or CFU card while you are under 5/24. And then the CIP or CSP. After that, you can always go for NFCU and Amex, since they don't care about 5/24.</P><HR /></BLOCKQUOTE><P><BR />This was my initial thought process as well. Though, since Chase does not like to lead with higher SL's, I wasn't sure if sticking a NFCU card in the mix would help me pry open a higher SL right from the begining instead of being bucketed with a possible token limit.&nbsp;</P><P>&nbsp;</P>Wed, 22 Jan 2020 18:46:50 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887700#M1694393LateStarter2020-01-22T18:46:50ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887720#M1694397
<BLOCKQUOTE><HR /><LI-USER login="Citylights18" uid="1030755"></LI-USER>&nbsp;wrote:<BR /><P>The x3 for 20,000 spend/12 months on Chase Freedom Unlimited is nice.....I'm still under my bonus albeit by 1,000 dollars and I was approved for the card on 6/7/19.&nbsp;</P><P>&nbsp;</P><P>Since its been a full 12 months you could also upgrade that Capital One Platinum Reserve to a Quicksilver 1.5% cash back or maybe a Savor if you go in branch. The AF version of the Savor is 4% dine and the non-AF is 3% dine.</P><HR /></BLOCKQUOTE><P>Hi Sky,</P><P>I also like the idea of x3 20,000 first year.&nbsp;</P><P>Unfortunately, Cap One does not upgrade any secured cards. (I found this out right after I was aproved and would have had to re-pull to apply for the unsecured.) Cap one also does not allow CLI's above the auto $300 they give you during first year. It is my understanding this card caps a $1300. which is frustrating.&nbsp;</P><P>I like the idea of the Savor (and am pre aproved), but my Amex Gold takes care of that same spend. I also would rather not get the 3 hp's Cap1 does.&nbsp;</P>Wed, 22 Jan 2020 18:59:51 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887720#M1694397LateStarter2020-01-22T18:59:51ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887725#M1694401
<BLOCKQUOTE><HR /><LI-USER login="Birdman7" uid="1047067"></LI-USER>&nbsp;wrote:<BR />No it’s not a guarantee. I got my CSP first. When I got my freedom it was slightly lower.<HR /></BLOCKQUOTE><P>That's interesting info. Thanks.&nbsp;</P>Wed, 22 Jan 2020 19:01:41 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887725#M1694401LateStarter2020-01-22T19:01:41ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887731#M1694404
@LateStarter And I got the best APR on my CSP but my Freedom had a higher APR unfortunately that they’re not willing to budge on apparently. But in their defense, I think I did have a loan and a card in between there so...Wed, 22 Jan 2020 19:12:17 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887731#M1694404Birdman72020-01-22T19:12:17ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887736#M1694406
No due to the timing they may have only seen the loan, but they did see the HP for the card. And it was only two months later.Wed, 22 Jan 2020 19:16:11 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887736#M1694406Birdman72020-01-22T19:16:11ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887745#M1694410
<BLOCKQUOTE><HR /><LI-USER login="Birdman7" uid="1047067"></LI-USER>&nbsp;wrote:<BR />And yes your eight year checking relationship will definitely help. You could probably get it in branch approval.<BR /><BR />You might even get online approval with that history. If that’s what you want, go for it since you have that history, but if you didn’t have that history, I wouldn’t recommend it at all until you had two years under your belt. But like I said there are exceptions they obviously like MrPepperonis file.<BR /><BR />Chase also likes to give you a decent SL that they’re comfortable with to begin with. Their auto CLIs are very rare. High limits beget high limits. That’s why I would grab the NFCU and the AmEX and then sit on it a 6 months to a year with SP CLIs and grab my Chase.<BR /><BR />Remember it’s not a sprint it’s a marathon.<HR /></BLOCKQUOTE><P>I will probably go in branch and check if any pre apovals are offered. Even though I now carry a good size balance with them, prior years were extremely lean.</P><P>&nbsp;</P><P>I hear you loud and clear regarding waiting a bit and getting a higher CL card in my portfolio since high limits beget high limits, as you say. Though, I read in a few posts recently that Chase does not take high NFCU CL's into consideration&nbsp; ...which is why I added the idea of an Amex revolver. (This last option doesnt excite me from a card standpoint, but it&nbsp; does serve its purpose.) Thanks as well for the input regarding Chase not giving auto CLI. This has been a main concern of mine. I reealize its rare to none, especially with a file like mine. I see you understand mee not&nbsp; wanting to start with a token limit that doesnt help in the long&nbsp; haul.&nbsp;</P><P>...and yes, the famous last words... it's a marathon not&nbsp; a sprint. (even though, i was hoping&nbsp; to pick up my pace a bit. ) <img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /></P><P>&nbsp;</P>Wed, 22 Jan 2020 19:22:46 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887745#M1694410LateStarter2020-01-22T19:22:46ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887752#M1694413
But they will give CLIs, if you’re willing to give up an HP, once you shown some history.<BR /><BR />I can’t conclusively say whether they take navy’s limits into account or not, but I’m sure they would American Express as you stated.<BR /><BR />Good luck in whatever you decide.Wed, 22 Jan 2020 19:27:37 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887752#M1694413Birdman72020-01-22T19:27:37ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887761#M1694417
Where did you read that they do not take into account navy credit limits?Wed, 22 Jan 2020 19:37:27 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887761#M1694417Birdman72020-01-22T19:37:27ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887840#M1694424
<P>Other than what has been stated, I would rather have the CIU w higher sub than the CFU. It also will not count vs your 5/24.&nbsp;</P>Wed, 22 Jan 2020 20:48:50 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887840#M1694424randomguy12020-01-22T20:48:50ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887948#M1694440
<BLOCKQUOTE><HR /><LI-USER login="Birdman7" uid="1047067"></LI-USER>&nbsp;wrote:<BR />Where did you read that they do not take into account navy credit limits?<HR /></BLOCKQUOTE><P>I read this just this week while going through the Credit Application board. I would have to go back and check which post, but basically a responding poster stated that Chase would basically dismiss the one high CL from a CU, and base it on the larger banks CL's.&nbsp;</P>Wed, 22 Jan 2020 22:05:34 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887948#M1694440LateStarter2020-01-22T22:05:34ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887961#M1694444
<BLOCKQUOTE><HR /><LI-USER login="randomguy1" uid="1077655"></LI-USER>&nbsp;wrote:<BR /><P>Other than what has been stated, I would rather have the CIU w higher sub than the CFU. It also will not count vs your 5/24.&nbsp;</P><HR /></BLOCKQUOTE><P>The 500 sub for that is apealing. I do like the idea of another biz card that wont count towards 5/24 as well. This is something I can think about. My lean towards the CFU is to take advantage of the 3% first year upto $20,000. + $200. sub. This would be more benifitial point wise if I use the max 3% spend. .(..which wont be an issue idt.)&nbsp;</P><P>I appreciate you bringing this card&nbsp; back to my attention.</P>Wed, 22 Jan 2020 22:15:50 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887961#M1694444LateStarter2020-01-22T22:15:50ZRe: Advice for next card. Thin file. 3/24https://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887973#M1694449
<BLOCKQUOTE><HR /><LI-USER login="LateStarter" uid="1068622"></LI-USER>&nbsp;wrote:<BR /><BLOCKQUOTE><HR /><LI-USER login="randomguy1" uid="1077655"></LI-USER>&nbsp;wrote:<BR /><P>Other than what has been stated, I would rather have the CIU w higher sub than the CFU. It also will not count vs your 5/24.&nbsp;</P><HR /></BLOCKQUOTE><P>The 500 sub for that is apealing. I do like the idea of another biz card that wont count towards 5/24 as well. This is something I can think about. My lean towards the CFU is to take advantage of the 3% first year upto $20,000. + $200. sub. This would be more benifitial point wise if I use the max 3% spend. .(..which wont be an issue idt.)&nbsp;</P><P>I appreciate you bringing this card&nbsp; back to my attention.</P><HR /></BLOCKQUOTE><P>You don't get 3% first year plus the $200 SUB. It's one or the other. Currently, it is $200 SUB after $500 spend.&nbsp;</P>Wed, 22 Jan 2020 22:23:55 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/Advice-for-next-card-Thin-file-3-24/m-p/5887973#M1694449Steve8912020-01-22T22:23:55Z